Investor Presentaiton

Key Milestones 1960-1970s September 1960 RCBC was incorporated and began operations in Rizal 1962 ■ Received approval from BSP to operate as a commercial bank under its present name 1973 Formed alliances with Continental Illinois Bank and UFJ (Sanwa) 1980-1990s 1985 ■ Continental Illinois Bank sold its shareholding to UFJ (Sanwa Bank) 1986 ■ Successful listing of RCBC shares on the stock exchange 1989 Received approval from BSP to operate as a Universal bank 1996 ■ RCBC Savings Bank was incorporated to provide retail/consumer banking services 1998 Acquired Capitol Development Bank and merged with RCBC Savings 2000s 2000 Acquired 67% stake in Bankard Inc. 2006 ☐ UFJ (Sanwa Bank) disposed entire Shareholding to Spinnaker 2008 Acquired Merchants Bank to kickstart microfinance lending in Mindanao 2009 Spinnaker sold its entire stake back to RCBC and the Yuchengco Group Acquired JP Laurel Rural Bank in Batangas to expand microfinance operations to Luzon 2010s 2011 ■ Formed alliances with IFC and CVC Capital Partners ■ Formed Bancassurance partnership with Sunlife GREPA Financial 2012 Acquired First Malayan Leasing and Finance Corporation and its subsidiary Malayan Rental to enter equipment leasing business 2013 ■ Placed additional shares with institutional investors to comply with Basel 3 capital rules ■IFC infused additional equity ■ Sold stake in RCBC Realty and Bankard (listed co. only) 2015 Partnership with Cathay Financial Holdings Group. Cathay Life Insurance is the shareholder in RCBC. 2018 ■ Raised PHP15 billion in fresh Common Tier 1 Capital via Stock Rights Offering (SRO). 2019 ■ Raised PHP15 billion in Peso Bond, the Philippines' first green finance framework under the ASEAN Green Bond Standards. ■ RCBC Savings merged with RCBC on July 2019 RCBC is the 8th largest private domestic commercial bank in the Philippines by assets as of March 2020 10 RCBC

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